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    Paying referral fees to designers as a creative subcontractor should you do it

     

    Kirstin, I am a faux finisher and I do some murals, too. When my clients ask me for referrals for designers, I give them names of people whom I think can help them. Should I let the designer know that I referred them? - Arlene, Baltimore, MD Arlene, Not only should you let the designer know you referred someone to her, you should also ask for a referral fee or a percentage of the contract if she gets the client. In the creative industry it is somehow "standard" for designers to get a percentage of contracts for murals, faux finishes, and other artistic work, but somehow it is not standard for the reverse. He who has the client's trust is the one who holds all the power. Should you be the one who the client trusts enough to ask for a referral, you should be rewarded for giving that referral. If someone refuses to pay a referral fee or percentage for work you handed to them, then work with other designers or vendors. There are plenty of people out there who understand the value of a "hot referral" and are thrilled to reward people for them. We all know how difficult and costly it is to get a new client and how much time and effort is spent on marketing and selling. If someone hands you a "hot referral" that leads you right to new business, you should reward that person with a check. Don't see it as a loss of income, see it as a gain in new business. Without the referral, you wouldn't have had the business. Most successful businesses - in every industry at every level - make a portion of their revenue from money paid to them for referrals, and you should, too. -Kirstin

         
    Personal health your most important business a

     

    We often take our health for granted. When people are in their teens and twenties, it’s common for them to not even think about health issues or to neglect proper nutrition, exercise and sleep. As they get older, this neglect may catch up to them, resulting in deteriorating health. Unfortunately by the time your health declines, it is often too late to recover. Poor health will rob you of energy, quality of life, and ultimately your business. As an entrepreneur, you can’t afford to neglect your health. From the start, you should be developing good health habits. Just as you have developed a solid plan for your business, you need to have an effective plan for your well-being. You need to be proactive with your health. This means taking time away from work to exercise, eat healthy and get enough sleep. Developing good habits takes time and a conscious effort. Start by writing down your goals on paper. What fitness level do you want to achieve? How are you going to exercise? What healthy foods are you going to eat? What time do you want to get to bed and how long do you want to sleep? Don’t put too many goals on the sheet of paper, otherwise you’ll get frustrated or discouraged. Next implement your plan. I would choose one goal at a time, like exercise, for example. As a rule of thumb, it takes 21 days to develop a good habit. So, over the next 21 days, make a graduated effort to exercise. Start slow and set realistic goals. For the first few days, consider it a success just to get your gym clothes on. Gradually work up your exercise regimen from there. Don’t get obsessed about personal performance, but focus more on consistency. Have a simple goal for that day and make sure that you have made an effort to achieve that goal. Another factor that can help is accountability. Make sure that you have talked to another person about your goals. Whether that person is a spouse, relative, friend or co-worker, they can be helpful in reminding and encouraging you to continue with your plans for self-improvement. The investment in your health will pay dividends in the long run. You will enjoy increased physical energy, enhanced mental focus, and more effective handling of stress. Don’t ignore your well-being until it is too late. Be proactive. Take time out to take care of yourself. Health is your most important business asset.

         
    Planning ahead of everyone else to win

     

    What does it take to plan like a champion? Well lets take a look into our minds a little bit to answer this question. For these next questions, I need you to be extremely honest with yourself. No need to lie, no one else but you will know the answers. 1) Are you afraid to fail your plan? 2) Do you regularly plan ahead? 3) Does your plans involve EVERYTHING you ever wanted? 4) Do you plan ahead with your business and family in mind? 5) Do you visualize your plan being achieved? 6) ** How far ahead do you actually plan??? ========================= That wasn't so bad was it??? It's important to always ask yourself these questions. Doing so will ultimately lay out what it is that you want in life. Business & Family should always be considered together. ========================= So let's take a look at why all these questions help you to determine what it is in life and how it will affect you forever... 1) Are you afraid to fail your plan? Beating The Failure Blues: Failure... ooooooo no one wants to fail. Unfortunately for many of us, we tend think of failing when we write out our business plans. The reason we do this is because we've all failed at something before. Everything we do starts with a plan. Most daily plans are sub-consciously planned out before they are executed. This process only takes a fraction of a second. The ones we tend to remember are plans that we've "consciously" created. Most of these are ideas we've never finished, and projects that never even got a change to start. They key to beating the "failure blues" is simply to train your mind to visualize everything you want from your plans. Viewing something you want should always resemble a movie clip full with: sensory rich images, along with sounds, smells, and sense of touch. This combination is what make visualization a success. This is true because our minds think in images. Visualizing your plans consciously will better help your sub-conscious mind to remember what it is that you want to accomplish. This also tells your sub-conscious mind you serious about this one. 1) Do you regularly plan ahead? Come-on, be honest, do you actually sit there and make a good attempt to plan out your future, every single day? NO? Why not? Is it not that important to you? Failing to plan is the same as planning to fail! Planning everyday may seem like a lot of work to do but in actual reality, once it becomes a habit, it becomes second nature. Study shows that it takes an average of 21 times for something to become a habit. For example, once you've driven your car 21 times +/- it becomes 2nd nature to you. Your sub-conscious mind takes over and drives for you Your "conscious mind" is the captain of your ship (the brain). If you don't consciously make a direct command to your "sub-conscious" (the crew), nothing will ever get done. You must be strict with the crew for 21 days to make sure they will do their duties on a daily basis. After time, the crew will automatically know their own task by heart and carry them out for you. Planning out everyday will better define to your "Crew" what it is they are required to accomplish. It builds unity within your mind. This unity will ultimately be the staging point to reaching your goals. 2) Does your plans involve everything you wanted? When I say everything, I mean everything. I have this little special note pad that stays on my desk at all times. Within it are countless ideas of everything I ever wanted at that very moment. At that very moment meaning, whatever it was that I wanted to have in my life "at that moment" that would make me happier. Doesn't matter what it is. For you, exactly what right now would make you happy? A nicer car? $5,000 in your bank account? More clients? Better search engine ranks? Writing exactly what it is that you want will give your mind a "TO DO LIST". Once your mind has its "TO DO LIST", your sub-conscious will search through your memory banks for an example of how to accomplish your "to do list". If your mind doesn't find anything within your memory banks, it will eventually start shooting out ideas and tips for your conscious mind to complete. I should also note that writing down something is like etching it right into stone when it comes to your mind. It's like your mind is the piece of paper, you need to write something down in order for it to come back later and revise what it is that you wrote down. 3) Do you plan ahead for your business and family? Well why wouldn't you? When I think about my business, I think of what it will do for me, my friends, and my family in the future. At the moment, I am currently not married nor do I have any children but that doesn't mean that I am not thinking about the future with a family in it. Always consider business & family the same. They are a both part of yours and the their future. 4) Do you visualize your plan being achieved? Visualization is the fruit of success. Do you ever find yourself visualizing yourself in that car you always wanted? Who visualizes you and your family on some beach in Mexico somewhere? Who visualizes you winning the "entrepreneur of the year award"? ....YOU DO! In order to be happier and more successful, you need to get better, you need to get better. I repeat, you need to get better. Visualization should be a daily event. Take a moment everyday, even for 30 seconds and visualize all the sights, sounds, smells, and feelings of everything involved with your daily plans. For example, lets pretend that you have a presentation to do and like most people who have done a presentation, you are extremely nervous. Take a moment about an hour before the presentation. Visualize yourself walking into the meeting feeling great, confident, and relaxed. Hear the people having a good time, see them smiling and paying attention to you. Try to smell a nice cologne within the room that makes you smile when taken in. Last but not least, see all the people around you congratulating you on a job well done after the presentation. See yourself having a nice, warm, rich tasting coffee while discussing your successful presentation with your boss, employees or even your potential clients. I guarantee you that if you make it a habit to prepare yourself with visualization in that fashion before any presentation, you will have better, more vibrant feelings afterwards. This very same technique applies for your goals. You must see yourself driving that car, the way the air feels in your hair, maybe the way the engine sounds. Whatever you can think of that will let your mind wander into your goals and dreams, use it! 5) ** How far ahead do you actually plan??? This is by far the most important. The most important only because it takes a little from all the above questions I've talked about. What is the furthest you've ever planned ahead? I'll put money on the fact that it's not far enough. Dare to be bold, be strong in your convictions. Don't be afraid to think outside the box. So how far do I allow myself to plan ahead??? 200 Years! No joke, my goals have included a timeline of around 231 years ahead in the future. See I don't only think about how I want to improve my life, I concentrate on something higher than life. I concentrate on my family history that is yet to be written. We all would like to leave a family dinesty to our future family members. Well, why aren't you planning ahead for it??? Don't be shy, afraid, uncertain or embarrassed, just do it. Keep doing it within your note pad that you write in. Keep thinking about your children, their children, your great, great, great grand children to be. Think about them. Wouldn't it be nice if they could look back and say wow, my great, great, great grand father had the vision, the dedication and the will to think of me. Think of the impact you could have on those to be. Even go as far as writing a letter to the individuals who will be in your families future. Tell them what you have planned and why. What if what you do now, affects someone 4 generations down the line in such a positive way that they feel the need to pick up were you left off? If it wasn't for your vision, it would of never happened. Better yet, it hasn't happened yet, so how about you pick up that pen and start your future right now, this very moment. On that note, I won't keep you from writing your future. Good luck & remember to see everything happen the way you want it to happen!

         
    Plaza centers nv is heading for timisoara

     

    Plaza Centers NV is quoted on the London Stock exchange. The company is a member of the Elbit Medical Imaging Ltd, known in the field as one of the most experienced developers of Western style shopping and entertainment centers in the emerging markets. The project PLAZA CENTERS NV will be managed through a local subsidiary to become Timisoara's number one multifunctional complex, together with a shopping and entertainment center, residential and offices. In line with its strategic development in Central and Eastern Europe, PLAZA CENTERS will build a state of the art commercial center, which will include a hypermarket, 12 cinema screens, food court offering - dining facilities ranging from deluxe cuisine to fast food and thematic restaurants (Italian, Romanian, etc), full range fashion - from shoes, clothing, jewelry, cosmetics, sports, etc. "We intend to bring to the city of Timisoara famous international brands, active in all of the group's shopping centers in Europe . Students will also benefit, as there is a special attention upon this market fragment, and will be offered attractive facilities, such as - internet cafй's, book shops, club, etc." Said Mr Luc Ronsmans , Country Director of PLAZA CENTERS in Romania . By continuing its tradition, PLAZA CENTERS NV will turn the entertainment and shopping center into a place for gathering of families, providing attractions for parents, children and teenagers including playground, Fantasy Park etc. Covering the residential demands, PLAZA CENTERS alone or in cooperation with strategic local partners, is intending to develop around 600 apartments covering the full range of size (one to four rooms) with class A finishing. The office space will be regrouped in a modern style business park atmosphere providing to the proud city of Timisoara class A office facilities, for existing and new entrepreneurs. The PLAZA CENTERS group is mainly focused on the Central and Eastern European region. The group has already developed, let and sold many shopping and entertainment centers of various types and sizes in seven different countries from Central and Eastern European region. PLAZA CENTERS was the first to open a Western type mall in Central and European region. Duna Plaza was build in 1996 in Budapest, Hungary, and in the next 10 years, it has been followed by more than 20 other shopping centers established in Hungary, Poland, Czech Republic, Latvia, Greece and now Romania. "Casa Radio" is one of the group's recent main acquisitions in Romania , a finalized process at the end of 2006. By establishing their leading position on the Romanian real estate market, PLAZA CENTERS has proven to be a serious player not only in the international but also local investment area.

         
    Powerful considerations before starting your own business

     

    Copyright © 2006 Gobala Krishnan What does it take to start your own business? To many, the thought of starting your own business may be too daunting that you give up before you even start. Let's analyze what a typical start-up needs: Start-up Capital There is no secret that money talks the loudest of all. As a future entrepreneur, you may well know the fact that capital is perhaps the most essential part of setting up a business, both online and offline. Lack of start-up capital not only puts your business at a disadvantage, it also makes cash flow a serious issue. Over time, it also makes it difficult for you to expand your business. The good side is that start-up capital in the form of small business loans are readily available at most commercial banks around your country. As long as you have a good credit rating, getting small loans should not be much of a problem. One important thing to remember here is to never borrow more than what you need to get started. You loan amount need only cover for the basic necessities of business. Start your business small and control your finances daily, monitoring everything you spend on and trying to cut costs where ever possible. When your business cash flow starts working in your favor, you are ready to safely take out another business loan for expansion of business activities. Business Experience Most people are afraid to start their own business, simply because they have "no experience". Therefore, they never get started at all, and never end up gaining that experience in the first place. Most people are afraid to enter into a business venture because they fear failure due to lack of experience. It's a Chicken-and-Egg story, or a Catch 22, or whatever else you can call it. A Solid Business Plan Any business is more likely to succeed if they have a definite plan of action to follow. Unfortunately, in reality most small business and home based businesses have no idea on developing a business plan that drives them to success. That is the reason why 70% of businesses fail within the first year. A solid plan needs to state exactly WHEN and HOW you will make money. Before you get into business, make sure your business plan is laid out right to the very minor details. You need to know: - Your target market - The average cost of one product - Your profit margin on each product - Your expected break-even point - Cash flow projections To develop a business plan, you can get very valuable resources from: bplans home-business-association/rd/bplans/. A Mentor System A mentor is someone who you admire, someone in your line of work or business that is already having the success you dream of, and can teach you exactly how to achieve the same success yourself when you start your own home business. In reality however, most people could care less about your business or you. We are all selfish by nature, and who would want to impart seasoned business skills to a competitor, who will be a threat to their business. This mentor will help you in a win-win way that is mutually beneficial. Almost all business books will tell you that in order to be really successful, you MUST associate with those you are already having success, and duplicate their actions. Starting from Scratch Vs Ready Made Business Opportunities All these factors need to be considered when starting your own business. The absence of any one aspect can mean trouble, either when starting up, or later on as your business develops. Considering these factors, it is no surprise that many are turning towards business opportunities and systems such as network marketing. In these systems, all the above factors are taken care of, and you can start your own business without any worries. These systems are especially attractive if you are broke and have no business experience. You are in fact buying a proven system, which with your effort, can be turned into a thriving business. Here's to your success. Cheers. ------------------------

         
    Reading your financial statements what every entrepreneur must know

     

    As you consider which legal entity or entities--corporation, limited liability company, or limited partnership--you want to use for your business structure, the decisions you make will depend heavily on your current financial situation, both personal and professional. But do you know how to read a financial statement on your own? Do you know how to read your own personal and business financial statements? Knowing how to do this is an essential skill not just for entrepreneurs but for everyone. However, for the entrepreneur having this skill can mean the difference between having a thriving business that continues to thrive and winding up in bankruptcy. The annals of the bankruptcy courts are strewn with cases of entrepreneurs who entrusted their accounting to others and, not knowing how to read the financial statements of their own businesses, were surprised when they found that the business was ultimately unsustainable. The purpose of this article is to help prevent this from happening to you--and to arm you with the skills you need to structure your business to your benefit from the outset. Your Two Major Financial Statements There are two major financial statements that every entrepreneur should know how to read and (ideally) prepare or have prepared in their financial software (we recommend QuickBooks): The Income Statement The Income Statement (also known as the P&L or Profit and Loss Statement) offers a dynamic picture of the ebb and flow of your finances. Briefly, income statement shows first: A. Your various sources of income Then subtracts from that, B. Your expenses To give you the net result: Net Profit or Loss Typically, it is the result shown on this statement that is the basis for your taxation by state and federal authorities at the end of the year. The net income or loss (revenue outgo) is carried over onto your second major financial statement: The Balance Sheet. The Balance Sheet Offers you a snapshot of cumulative results of your financial activities. It is made up of two columns: On the left side you have your Assets On the right are listed your Liabilities and Owners/Shareholders Equity (or ownership in the business). The two columns must be in balance, which is why this is called a Balance Sheet. Assets=Liabilities + Equity It's really quite logical how the Income Statement and Balance Sheet relate to one another. If you have to use current or long-term assets to pay ongoing expenses during the current year, at the end of the year, the amount of your assets will be reduced by the amount of net loss. On the right hand side, your Equity has gone down too. If you borrowed, say $10,000 to pay current operating expenses, at year end, your assets remain the same, but your liabilities have increased by $10,000, lowering your net Equity or ownership in the company by that same $10,000. It doesn't take a rocket scientist to figure out that if you continue on this path, you will quickly be in a very painful situation, because Liabilities carry their own cost. The cost of borrowing money is Interest, and if you are fortunate enough to borrow at only 10% interest (on unsecured debt) today, a year from now, you will have to pay $11,000 to pay off the original $10,000 debt. This reduces your equity still further--unless you have used the borrowed funds to create more assets that increase in value at the same rate as the interest on your debt or, better yet--at a higher rate. More to the point for deciding which business entities to use is that you need to work out both your personal financial statements and those of your business(es). If you find, for example, that that you have significant salary or wage income in your personal financial statements that is causing you to pay out high taxes (as reflected in your balance sheet), and you expect that your business will generate some significant losses for the first several years, it would be advantageous to you to use a business entity that is a flow-through entity. Losses incurred by your S-Corporation (or, if you prefer, your Limited Partnership or your Limited Liability Company) will flow onto your personal balance sheet to offset the salary or wage income and thus reduce your tax liability. Moreover, in general, if you want to draw up a roadmap to getting where you want to go, you need to know your point of departure. Thus, preparing and understanding your personal and business financial statements is an indispensable first step for your business planning. ©Copyright Azur Pacific Associates 2006

         
    Ready fire aim

     

    You probably read my headline and thought, wait a minute, isn't that backwards? Isn't it supposed to be "Ready, Aim, Fire?" Well, a year ago I might have agreed with you. But not anymore. What changed? I did! And boy am I glad I did. Let me tell you a little story. Up until last year, I was one of those people who planned everything down to the smallest detail. I guess you could say I planned things to death! Ever heard of "analysis paralysis?" Well I had it big time! I just was not comfortable doing anything, especially in business, until I had done ALL my research and put all my ducks in a row. As a result, it often took a long time to get up and running with new ideas. Then I experienced "Ready, Fire, Aim" Last fall, I was first introduced to the concept of "Ready, Fire, Aim" at a seminar where I was thrown full bore into this way of thinking and acting. Talk about baptism by fire! Not only did it change me, I learned something. That I could learn more and do more faster if I didn't get caught up in overanalyzing everything. I came home excited about adopting this new approach to my life. What happened? Well, my business and I have grown more in the last eight months than either had grown in the past seven years. I've made some mistakes, but another funny thing happened along the way. I realized the mistakes DIDN'T KILL ME! In fact, I've learned more from my mistakes than from my successes. I learned mistakes are a GOOD thing! Suddenly everything I learned in school about NOT making mistakes just didn't fit anymore. Mistakes don't make you a bad person or even an unlucky person. They make you a smarter person! They say Thomas Edison failed 10,000 times before he successfully invented the light bulb. I hope we don't have to fail that many times before we find success, but what I do know is every mistake and every failure brings us one step closer to success. Don't get stuck You may be wondering why someone who advocates planning (The 10stepmarketing™ System is ALL about creating a marketing PLAN for your business) is touting the virtues of "Ready, Fire, Aim," the seeming antithesis of planning. It's because I don't want you to get stuck like I was for so many years. Get into the game, even if you think you're not ready Not getting out there and into the game because you're afraid you're not quite ready or might make a mistake, IS the mistake. Don't make it! My advice? Take the time to create a marketing plan for your business but don't get bogged down if you still have questions or uncertainty about how to market effectively. Just start. Do the best you can and KNOW you will learn more every step of the way. It's the only way to discover YOUR "magic marketing" formula The longer you're out there actively marketing and tracking your success and your failures, the closer you'll be to finding your "magic marketing" formula. Your "magic marketing" formula brings together exactly the right marketing activities with the right marketing message and the right audience in the right place at the right time for YOUR business to result in HUGE success! While there are some basic marketing principles that will help you get to your magic formula quicker, nothing replaces good old testing and fine-tuning. After 20 years in the business, I still practice it regularly. Because I know there are certain things you can do to set yourself up for success, but at some point you just have to go for it. Are you stuck? If you're stuck without a marketing plan or you'd like to learn some simple steps you can take to position your business for marketing success, The 10stepmarketing™ System can help. This simple system tells you exactly what you need to do, step-by-step, so you can uncover your "magic marketing" formula quicker. Don't get stuck trying to figure it out on your own. Get help at 10stepmarketing. Learn "Ready, Fire, Aim" the way I did I can teach you how to market your business more effectively, but sometimes to find true success we also need to change ourselves. If you're committed to being healthier, happier and richer and you're willing to be pushed beyond your comfort zone to accomplish that, I highly recommend T. Harv Eker's Peak Potentials program. It's where I learned to live "Ready, Fire, Aim!" and I know I'll never go back to the way I used to be. You can learn more here. (C) Copyright 2005 Debbie LaChusa

         
    Realizing your dreams through franchise ownership

     

    As people from all cultures began to arrive in The United States of America, their dreams have been to have an idea, start a business and become wealthy in the process. This movement continues to draw people in from all cultures to The USA, and all these folks are here to share one common goal; an improved way of life. The opportunity to own a new business and be successful has always been, and always will be, the American Dream. In The United States of America today, more folks than ever before are realizing their dreams of financial independence since being the owner of a successful business, by today's criterion, is more easily accomplished than ever before. A lot of these fortunate individuals acquire financial freedom as owners of franchised businesses. Franchises offer the greatest opportunity to own a successful business for people interested in business ownership for the first time because franchises are based on a proven system. There are various reasons why franchising is the most effective type of operation for first time businesspeople. As a franchise owner, you will not be needed to come up with a business plan; the franchisor has already done that for you. You will gain all the benefits of a proven system, training and ongoing support and reap the monetary rewards. How can a franchise opportunity give you a lifestyle of financial independence? Seventy five percent of people who have extreme wealth in America have a business - this indicates that your best shot at being wealthy is by having your own business. Starting a business from scratch, however, can be very risky and a complicated process involving a lot of time, resources and money. And new businesses do not always succeed. The rate at which new businsses succeed is quite low, probably due to bad planning and not having a tight hold on expenditures. being the owner of a franchised business offers far less risk than Owning an independently run business and offers all of the same advantages, if not more, of an independent business. Being the owner of a franchise takes away from the responsibility of having to draw up a business plan and puts you on the road to success promptly. After evaluating different options you made a final decision to purchase a franchise, congratulations! You have made a decision to purchase the rights to sell goods or services from an established brand-name company with a proven business plan, training and ongoing support. Soon you will be on the road to financial independence. There are steps, however, that must be taken to insure that everything goes smoothly - from researching the right franchise to the opening of your new business. The most important being researching the right franchise opportunity. Not every franchise is a guarantee of success. Franchise opportunities come in many flavors, each one as unique as an individual. To find a franchise business that meets all your needs, research different companies for the one that best suits your personality, skills and interests. Suppose that an individual with 15 years of financial planning experience decides to purchase a franchise. That person researches different franchising options and chooses to purchase a business income opportunity. Does this individual have the potential to make this business successful? Absolutely! Under different circumstances and disregarding the success rate of franchises in general, if that individual were to pursue a career as a restaurant franchise owner he/she may feel misplaced in that particular line of work. Choosing a business in which you have shown know-how can be an immense advantage in franchising. The point is that it's necessary to select a franchise that matches your character and expertise. When those conditions are met, you'll have a far greater opportunity at being successful. Before you settle on any franchise, you will want take your research to the next level and gather as much information as possible on the company that appeals to you. Do the right research! Just because a franchise has been successful in other areas does not mean it will have the same success in your area. Get contact information and talk to current franchisees operating in territories with the same demographics as the area in which you will be operating. Exsisting franchisees are your best source of information for finding out what really happens in a business on a day-to-day basis. A franchised business is like running any small business - you need capital. Building the right budget will allow you to incorporate a realistic cash-flow plan. The initial franchise fee will have the biggest impact on your finances. You need to have enough capital for the initial fee and enough to carry you through the first couple of months after opening the doors to your franchise. The most successful franchisees are known to take a less formal and more relaxed approach to selling. Successful franchisees genuinely enjoy talking to strangers and get involved in community events to find new ways of promoting their small business. although franchisees are often provided with standard corporate advertising programs and national exposure for the chain, being involved in the community and being perceived as part of the local family helps keep customers loyal. Franchises influence the American economy beyond what was ever thought possible. As a matter of fact, the IFA estimates that franchising has had a $1.5 trillion impact on the U. S. economy. Owning a franchise is an amazing opportunity that comes with many wonderful benefits, but you must be very dedicated to your new business. Make sure you know what it takes to succeed and that you possess those qualities.

         
    Relationship marketing 10 tips for keeping clients happy

     

    You've probably heard the saying "It's easier to keep an existing customer than to get a new one." Well, it's more than just a saying, it's true. That's why you want to take very good care of your current clients or customers and do whatever you can to give them lots of reasons and opportunity to buy from you over and over again. Who wants to constantly be out there pounding the pavement looking for new clients and customers? That's a lot of work. It's much easier to up-sell or cross-sell to people who already know and love you. Here are 10 tips you can use to put a successful Relationship Marketing program into place so you can reap the benefits for years to come. #1 Create a customer database or file Whether you have many clients or customers or just a few, make sure you keep records with important details about them. These details may vary depending on your line of business, but they may include their purchase history, special dates such as their birthday or anniversary, family member names or their favorite restaurant or leisure activity. #2 Never take your customers for granted Your customers are the reason you are in business. Never assume they will always be there. Continue to earn their trust and show them you care and value their business. #3 Show your appreciation Do little things to show how much you appreciate having them as a client. Send them a thank you card or token of appreciation. Do something nice for them. Sometimes its even as simple as just saying "thank you." #4 Stay in touch Find ways to stay in touch with your clients. Send out a regular newsletter. Clip and send them news articles about their industry or issues they are concerned about. Make regular telephone calls or send email. Send holiday cards. Use these tools to remind them you're still around and that you still care. #5 Take an interest in them and their business Ask questions. Find out what their challenges are and see if you can help them. Show them you understand their business or their issues and you're interested in more than just their last purchase. #6 Serve them Make it a priority to go out of your way to provide services that truly deliver and make your customers' lives or their businesses better. Provide great customer service. Do whatever you can to help them achieve their goals. #7 Give extra value Exceed expectations. Give more than your clients are expecting so they are dazzled and anxious to work with you more. Act as if their business is your business and their problems are your problems and help them any way you can. #8 Ask them what else you can do for them Find out how else you can serve them. Other products or services you might be able to provide to help them reach their goals and be more successful. Take an interest in looking beyond your last sale into how you can help them even more. #9 Be responsive Always respond in a timely manner to your clients. Get back to them quickly when they have a question or need help. Return phone calls and emails promptly. Be on time, or better yet, be early for meetings and appointments. Being responsive tells your clients you think they are important and that you respect them and their time. #10 Make things easy for them Always be looking for ways you can make things easier for them. If you meet with clients in person, go to them instead of always making them come to you. Make it easy for them to use your services or buy your products in ways that are convenient for them. Give them options and choices. If you put these steps into action, I promise you your customer relationships will be strong. And, when you make your customer relationships your top priority you'll be rewarded with long-term, profitable clients. (C) Copyright 2005 Debbie LaChusa

         
    Retirement plans for solo entrepreneurs

     

    Saving for retirement is even more important for solo-entrepreneurs because you don’t have a company sponsored pension plan or matching 401K contributions to rely on. There are many retirement plans available to self employed individuals and small businesses. Which one is right for you? Here is just a sample of the retirement plans available to solo-preneurs and small businesses: Roth IRA – although this is not just for solo-preneurs, this is the first place you should look to save if you are just starting to save for retirement (or resuming to save after starting a business). Roth IRAs are low-cost, very flexible, and allow you to grow money tax-free as long as you follow the distribution rules. Contributions can be made up to $4,000, and can be withdrawn at any time without tax or penalty (earnings withdrawn may be subject to penalty and tax if withdrawn before age 59 Ѕ and certain other conditions are not met). SEP IRA – if you’re maxing out your Roth IRA, and are ready to save more, a SEP IRA allows you to save up to 25% of your compensation (20% of your self-employment income) for a maximum of $44,000 per year. Contributions are tax-deductible, and SEP IRAs have low maintenance fees. Contributions can be made for employees also, but employees cannot contribute to their own SEP IRA. This is a good choice if you just have a handful of employees and are looking for a low-cost way to save for your own and your employees’ retirement. Simple IRA – a Simple plan offers many of the benefits of a 401K, but with less IRS reporting requirements. You can contribute up to $10,000 to a Simple IRA, with an employer match of up to 3%. Contributions are tax-deductible, and Simple IRAs also enjoy low annual fees. Employees are allowed to contribute to Simple plans, and a company match is mandatory. If you have a lower salary (or self-employment income) in your small business, a Simple IRA allows you to put more away towards your retirement than other plans. Solo 401K – for small businesses with no employees, the solo-401K allows you to put the maximum amount away, with less cost and less reporting requirements than a traditional 401K. Similar to a SEP IRA, contributions max out at $44,000. However, unlike a SEP IRA, participants in a Solo-401K can contribute up to 100% of the first $15,000 of compensation or self-employment income, and an additional amount up to 25% of your compensation. This is important because it allows you to save substantially more than a SEP IRA, if your compensation is less than $220,000 per year. A solo-401K is not appropriate for small business with employees or expecting to add employees. There’s no one best plan for all small businesses. The best plan for you will depend on many factors, such as whether you have employees or not, how much you want to contribute each year, how much time you want to spend administering the plan, etc. To get more information about small business retirement plans, contact a no-load mutual fund company, a discount brokerage company or a fee-only financial planner.

         
    Rich jerk are you absolutely sure

     

    Do you want to be a millionaire, no a billionaire??!! This hour? This very minute? I'm sure you know the answer to the question. However I'm sorry to break it to you, but its not going to happen in this world we live in. At least not for 99.999% of us. Good. Now we have established that, in order to be a millionaire or indeed a billionaire you need to work, be smart and work some more. If somebody tells you otherwise you should put a smelly sock in his mouth! It is important that you must also approach any possible internet venture or online money making idea with this level of comprehension. The strange thing I’ve discovered that that with most "follow my lead and make money" program, most of it is actually the TRUTH! Yes! The actual Truth! If you follow it step-by-step, word-for-word I can solemnly say that I can guarantee your success. GUARANTEED!!! The bump in the road is, most of it is put in a very simplistic way to make it seem easy, but make no mistake, If you truly want to make money online as a e-business, not a freelancer, you will have to invest a small amount of money (very small compared to brick and mortar businesses anyway) and some time to actually understand the whole process and make use of it work in your favor. Rick Jerk's book is one such book. He provides you with all the tools to actually succeed online, however he gives it to you with a sledge hammer on the head. I'd say at most only 10% of all the people who buy the e-book would actually implement his methods to earn some internet money. This is definitely not Rich Jerk's fault! A lot of people buy these e-books plainly for "Hope", the hope for a better future, but aren't disciplined enough to follow through and put in the hard hours and brain power to see it succeed. So now where are we? Bearing in mind that the path is already set, we need to find out the level of determination that is required for you to actually follow through with these money making steps. If you are determined to make a success of the internet, these e-books will be absolutely INVALUABLE in their ability to show you the way to the Money. Just make sure you have enough disciplinary fortitude to follow through and you will see a very bright end. I have looked through a few e-books, some were worth their weight in gold and some were just rehashed ideas from forums such as webmasterworld. I have identified two invaluable e-books that would bring the true entrepreneur the his/her successful ends providing of course that he/she follows through with the e-books and implements all that is suggested methods Please have a look at what I deem to be the best books on the internet in terms of guiding the internet entrepreneur to success at richjerkscams

         
    Running a business on limited resources

     

    When I first started my business, I went to the bank for a business loan. Simple enough, right? I had my business plan in order, an itemized list of everything that I would need to successfully run my business, and all the necessary documents. To put it plainly, I was turned down. Why? Not because I did not have the credit to back it up, or did not have a good business plan. The reason the bank man gave me was "because I did not understand that over 90% of businesses fail within the first year, and that I was not prepared in case mine did." While I understand he was attempting to look out for my best interest, I felt cheated. He was not even going to give me the opportunity to fail. On some level, everyone that goes into business for themselves understand that chances are, the business will not make it past it's first year, and I was no different. The only thing was I had faith in myself that I would not give up trying. The loan processor took that as I would spend my life savings before giving up, and he did not want to see me financially ruin myself. So what did I do? I set out on the adventure on my own, only using the limited resources and financial backing that I had. I bought second hand office supplies and furniture. I bought the small cheap laptop instead of the multi-thousand dollar computer specifically designed for what I would be doing. Without the proper money for advertising, I had to get creative. My advertising methods was unconventional, but they worked. I found that I did not need large amounts of money in order to get my business to the world. So would I have been so successful had the loan processor gave me the business loan I asked for? I am not sure, because after all, I made it without the money, what would have happened if I would have had the proper money for advertising? Whatever the case may have been, I am glad he did not, because I am not better able to understand the limited resources that many small businesses face. So how can you run your business on limited resources? Here are a few things that I learned along the way. 1) New vs. Used - When starting your business, you do not need everything to be "new." Second hand items cost substantially less then new items, and work just as well. Plus, if you think about it, customers will be more comfortable around your office if it feels "broke-in", rather then new and sterile. It gives them the feeling that you have been in business awhile. 2) Creative Advertising - You do not need the hundreds of dollars that it takes to place ads in papers or put commercials on TV. It costs very little to design and print you own flyers and put them in places where your potential clients would gather. Turn your vehicle into a moving billboard by investing in a vinyl signage for your doors or windows. The best thing? Face to Face meetings with your potential clients do not cost a penny, so look for every opportunity to talk with our potential clients. 3) Work At Home - Depending on your type of business, you may consider working at home rather then renting office space. This will save you a lot of money on rent and furnishing an office. Once your business becomes more successful, then you can always rent office space later. Overall, be thankful for the struggles that you go through now, because in the future, they will have been well worth it. Plus, it will give you a better understanding when it comes to other small businesses. And, no matter what, never give up on yourself.

         
    Running your own business the options

     

    Very few people ever got rich by working for someone else. Leaving aside pop musicians, sportsmen and similarly gifted people, the only way to acquire wealth by work is to build a business of your own. The type of business you decide upon will depend on: a) how much money you have available as start-up capital and working capital; b) your business idea; and c) your confidence level. There are three types of business: 1) the traditional one in which you are reliant solely on your own efforts; 2) a franchise where you follow a proven idea and receive considerable training and back-up from the franchise company; and 3) network marketing. Each business type has its pros and cons. • The traditional business requires considerable financial input, either from your own resources or part-funded by your bank. You may need to rent premises; buy equipment; hire staff; pay for advertising, brochures, stationery, and stock. A frighteningly high percentage of this type of business fails in the first year. To succeed you need: a good idea, considerable financial backing, good health, an understanding spouse, and stamina. If you do succeed you will own the business outright and benefit from all the profits. • Franchises have a high success rate. Banks like them because each franchise operation has a proven track record and thus the banks can accurately judge the risk, consequently they will lend money for this sort of start-up. However, all the support and training comes at a price: the initial entrance fee is likely to be very high, and a percentage of the business’s turnover has to be paid to the franchise company. • Network marketing, also known as multi-level marketing, has many advantages and few disadvantages. The entrance fee is low and the ongoing expenses are even lower. A network marketing business can be started in your spare time – in fact that is the best way to approach it. Start small, and keep at it. The secret is perseverance, get past the first year and you should find the business has a sound foundation from which you can build a serious income. It is said that 95% of those who survive ten years in network marketing become wealthy beyond their wildest expectations. So which type of business is for you? If you wish to provide a service or product where you have previous experience from, say, a former employment, the traditional business will be probably be the best choice. However, if you are just tired of working for someone else and making them rich and wish to strike out on your own, then a franchise or network marketing must be the preferred option. The choice then is determined chiefly by the funds you have access to, and the time and effort you wish to put into your enterprise. A franchise will require substantial funds and 100% commitment. You are jumping in at the deep end, although the franchise company will provide training and support to help you to swim. On the other hand you can ease yourself gently into network marketing by starting part-time while you continue with your current employment, building your business by ploughing back profits if necessary. Persevere and there will come a time when the income from your own business will be sufficient to support you financially. You will then be able to leave your employment and concentrate on your business, spending more time on it or enjoying considerable free time with your family.

         
    Santa the consummate entrepreneur

     

    Most people think Santa Claus only works one night a year. Nothing could be further from the truth. Sure, product distribution takes place on one magical night, but Santa's operation runs year round and is one of the largest manufacturing and distribution operations in the world. You've probably never considered the fact that Santa is the CEO of a large organization that not only distributes a vast assortment of products throughout the world, but does so in a single night with just a sleigh and eight tiny reindeer. Sam Walton would have killed to have Santa's logistics manual. Do I believe in Santa? You bet your red longjohns I do. I especially believe in Santa's entrepreneurial spirit. Just consider all he does from an entrepreneurial point of view and I think you will start to believe, too. Santa Is His Own Company Spokesperson Santa is a brilliant marketer and knows that his image is the best marketing tool he has. No other face is as recognizable and no other entrepreneur has inspired so many songs. You'll never hear "An Ode To Jack Welch" on the radio ten times a day. Santa's Customers Love Him Just say his name around a group of kids and watch their little faces light up like Rudolph's nose. You will never see Bill Gates get that kind of reaction. Heck, he can't even make his own kids smile. Santa Sets The Bar For All Entrepreneurs When you list the traits of the perfect entrepreneur, Santa gets the highest marks. He has passion for his work. He loves his customers and will go to great lengths to make sure they are happy. He has the ability to spot consumer trends and bring products to market quickly. He can lead a large organization with a wink of his eye. He inspires those around him. He is tireless. He is dedicated. He is loyal. He is persistent. And above all, he is jolly. Name another jolly entrepreneur (other than Dave Thomas of Wendy's fame). I bet you can't. Santa Is A Great Leader Can you imagine trying to manage a few hundred giddy elves who are shut in year round and spend their off hours drinking spiked hot chocolate and doing who knows what with fairy dust? It would be enough to drive even the best of entrepreneurs to hide out at the North Pole. Somehow Santa manages the task without pulling his whiskers out. I expect he has a management system that promotes from within. The hard working elves get into management. The slackers are stuck cleaning up after the reindeer. Santa Perfected "Just In Time" Manufacturing Santa heads up one of the largest, most diverse manufacturing operations in the world. His product lines range from rag dolls to toy trains to rocking horses to baseball gloves for the little kids, to iPods and cellphones and diamond rings for us big kids. Santa's factory runs year round, twenty four hours a day, seven days a week and never, ever suffers from cost overrun or production shut downs. Santa perfected the "just in time" method of production that is used by many of the world's largest manufacturers today. Santa Pioneered Global Product Distribution Santa is the king of single channel distribution. How else could he deliver millions of presents to good little girls and boys all around the world on a single night? Santa's distribution process is a closely-guarded secret (elves and reindeer are required to sign iron-clad nondisclosure agreements), but I expect it involves a highly detailed logistics plan and the best CRM software on the planet. You never hear about Santa calling up a kid and telling them a present is backordered until July. Santa's Delivery & Tracking Systems Are Second To None If you think FedEx is number one at tracking packages think again. Santa's track record is spotless. He has never, ever missed a single delivery or left a box sitting on the porch in the rain. Every package is delivered in perfect shape, right under the tree. Santa Wrote The Book On Customer Satisfaction Santa proudly boasts a 100% perfect customer satisfaction rating. You never hear about class action lawsuits and Better Business Bureau complaints against St. NIck. Santa makes sure that his customers are happy and if they aren't, he'll come back next year to make things right. If JD Power could find him, I'm sure they would give Santa their Christmas Customer Satisfaction Award. Santa Claus Is Watching You Not everyone believes that Santa is the perfect entrepreneur. There are those kids who complain that Santa never brings what they ask for, but we grown ups know that Santa brings the gift that is deserved, not necessarily the gift that is asked for. Here's a little Christmas tip from your Uncle Tim, boys and girls, ladies and gents: If you get a lump of coal in your stocking this year it's because you were bad and that's what you deserved. It was not because Santa dropped the ball. Merry Christmas everybody!

         
    Senior companion franchising opportunities

     

    New medical procedures and healthier lifestyles are letting people live more years than at any time in the past, putting many people trying to find ways to adjust to the demands of old age. Now that the hippie generation is soon reaching old age the number of elderly citizens is only going to get larger and larger. Owners of senior care franchises can take advantage of the population boom and be in place to join in the number one franchise market in a very long time. Senior care franchise opportunities can also be called in home care business opportunities because they also provide personal home care for adults that may have physical or mental problems not related to age, and the very sick, that require constant attention. With the thousands requiring caretaking there has never been a better time to buy into an senior care business than right now. Almost all senior or adult care franchise opportunities can be home based franchising opportunities because often times specialized care is given in the clients own home. Care for seniors franchise companies are one of the best home based business opportunities that can be controlled at home in a simple office while still growing fast, possibly even more quickly, than any other type of home based business. If a person likes to stay home enough to work from it will know the importance to remain at their house in sick times, this understanding makes the adult care franchise owner better. Part of owning and running a successful senior care business is to furnish company, and to a incapacitated person having someone to talk to is priceless. Many seniors often get tired of being old and sick and that hastens their move to leave home and go to a nursing home. When a person is talking and listening to them it removes some of the stress of lonliness. Many care taking services staffs multiple people for a clients care so the time together is more rewarding for everyone involved. Something to consider when running a business like this is the home care taking business is to match personalities to avoid conflicts. Franchise companies desire for the entrepreneur to be successful so they provide top quality franchise education programs, and senior care franchises are no exception. As with any good business owners of companion care franchises must know business operation standards including, but not limited to, serve the customer, how to run the day to day operations, and record keeping. Another very important part of running a business is hiring honest workers, employees that will be going into the homes of customers. Before purchasing a franchise check to see that the franchise opportunity offers the best franchise training that includes plenty of time to learn the ins and outs of the business, good materials to learn from and to use when you need to look up something later, and first hand interactions. Before buying a franchise make sure it meets all training needs, and if a franchise does not offer first rate training it is terrible. Things to look at are the marketing support departments and ongoing support. Marketing can be very difficult to understand, but there is little reason for an business entrepreneur to deal with the marketing precisely because a lot of franchises takes care of the advertising for their franchise opportunity owners. Franchise businesses usually will have data on the most dependable get the word out about a business locally also. With an adult care business referrals are a great way to get new jobs and by having a senior care franchise referrals are very common. a good support department comes with good franchising opportunity, including those that are in this category of franchise. The company is there to help and wants you to do well just as much as you do, that is why the franchise comapny assists the franchisee along the way as the entrepreneur finds new issues and obstacles. There are not many opportunities that a person can put their money into that provides the chance to help those less fortunate. If you can be successful while at the same time making the world around you a little bit nicer you get the financial benefits. The long hours called for to make a business succeed are not as bad when every day you live with the knowledge that you've made the lives of individuals and families gentler. The aged population is is expected to grow by 100 percent over the next few decades it's time to to secure your own future and purchase an in home senior care franchise.

         
     
         
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